Electronic check presentment with image interchange system and method of operating an electronic check presentment with image interchange system

Abstract

A method of operating an electronic check presentment with image interchange system comprises the steps of creating a number of electronic bundle files based upon captured MICR data associated with items, processing cash letter files and captured image data associated with the items to create a first temporary list, processing the cash letter files and the electronic bundle files to create a second temporary list, and merging the first and second temporary lists to create a merged list for creating an image presentment file. An image presentment file is created in a predefined format structure suitable for sending from a sending bank to a receiving bank based upon the merged list.

1. A method of operating an electronic check presentment with image interchange system, the method comprising the steps of:
 creating a number of electronic bundle files based upon captured MICR data associated with items; 
 processing cash letter files and captured image data associated with the items to create a first temporary list; 
 processing the cash letter files and the electronic bundle files to create a second temporary list; 
 merging the first and second temporary lists to create a merged list for creating an image presentment file; and 
 creating an image presentment file in a predefined format structure suitable for sending from a sending bank to a receiving bank based upon the merged list. 
 
   
   
     2. A method according to  claim 1 , further comprising the steps of:
 storing the captured image data in an image data repository; and 
 retrieving from the image repository any image data which is missing from the merged list. 
 
   
   
     3. A method according to  claim 1 , further comprising the step of:
 generating indexing data based upon the captured MICR data; and 
 storing the captured MICR data and the generated indexing data in a MICR data repository. 
 
   
   
     4. A method according to  claim 3 , further comprising the step of:
 retrieving from the MICR data repository the corresponding MICR data and the corresponding indexing data for each physical bundle of items; and 
 creating an electronic bundle file based upon the retrieved indexing data and the retrieved MICR data. 
 
   
   
     5. An electronic check presentment with image interchange system comprising:
 means for creating a number of electronic bundle files based upon captured MICR data associated with items; 
 means for processing cash letter files and captured image data associated with the items to create a first temporary list; 
 means for processing the cash letter files and the electronic bundle files to create a second temporary list; and 
 means for merging the first and second temporary lists to create a merged list for creating an image presentment file; and 
 means for creating an image presentment file in a predefined format structure suitable for sending from a sending bank to a receiving bank based upon the merged list. 
 
   
   
     6. An electronic check presentment with image interchange system according to  claim 5 , further comprising means for storing the captured image data in an image data repository, and means for retrieving from the image repository any image data which is missing from the merged list. 
   
   
     7. An electronic check presentment with image interchange system according to  claim 5 , further comprising means for generating indexing data based upon the captured MICR data, and means for storing the captured MICR data and the generated indexing data in a MICR data repository. 
   
   
     8. An electronic check presentment with image interchange system according to  claim 7 , further comprising means for retrieving from the MICR data repository the corresponding MICR data and the corresponding indexing data for each physical bundle of items, and means for creating an electronic bundle file based upon the retrieved indexing data and the retrieved MICR data.